1. If you buy a new house of about 90 square meters, the down payment ratio for applying for a commercial loan is 30%.
2. If you use the provident fund loan to buy the first suite, the down payment ratio is 20%, which is a house of 3 million, with a down payment of 600,000.
Then, the precautions for buying the first suite:
1. Agreement on loan failure Many people need to borrow money from the bank to buy a house, but it does not rule out that some buyers will refuse the loan because of credit information or other problems. Therefore, property buyers must make it clear in the purchase contract with the developer that if the property buyers are unable to purchase houses due to loan rejection, the developer will fully refund the deposit paid by the property buyers. If there is no agreement in the purchase contract, individual buyers will not only be unable to return the deposit, but also be liable for breach of contract.
2. When it is clear who will pay the relevant expenses, most buyers will spend some money, and then the developer will give you a list of expenses, some of which are reasonable, such as deed tax, public maintenance fund, stamp duty, property fees, etc. But there may be some unreasonable charges, such as some supporting fees within the community.
3. Indicate the pricing method and house payment. Generally, when signing a house purchase contract, the contract will indicate the unit price and total price of the house. Don't forget to let the developer indicate the pricing method. If the house price and pricing method are not stipulated in the contract, the house price will rise when the actual payment is made, and some developers may ask the buyers to pay the house price later, or calculate the house price through other pricing methods, so these contents are set from the beginning and cannot be easily changed by any party.
4. Regarding the processing time of real estate license, some developers will delay the processing time for various reasons. Property buyers should clearly stipulate the processing time of real estate license in the purchase contract, and stipulate the liability for breach of contract of both parties. According to the Measures for the Administration of Commercial Housing Sales, the agreed time limit for handling the title certificate should be 60 days.
Wechat official account to find a house to enter the Beijing purchase exchange group.